Scroll Down to Meet the Team at CIB Funding

A division of Golden Empire Mortgage

Your Local Home Town Lender

Heather Hakes - Branch/Regional Manager

Heather Hakes is one of the most experienced and knowledgable loan officers in the industry, which makes her uniquely and ideally suited to manage her team which includes offices in Murrieta, Temecula, Newport Beach and Escondido.

With over 30 years in the field, Heather has successfully funded a wide array of loan types and helped countless clients find their first home, investment property, and many other loan needs all over Southern California.

As a top producer in the Southern California mortgage industry, Heather has extensive experience dealing with conventional, FHA, and Jumbo loans, and she is the perfect loan officer if you are searching for a VA loan.

Having done hundreds of VA loans in her career, Heather knows the regulations and requirements of VA loans and has helped countless veterans afford new homes for themselves and their families.

She has worked with first-time homebuyers, seniors, families, and every facet in between.

Heather's team is unsurpassed in origination expertise. Heather is your first and last call to fund the home of your dreams!

Jonathan Ferrell - Asst. Manager/Senior Loan Officer

His name is Jonathan Ferrell. He is the Mortgage Loan Originator with CIB Funding, a division of Golden Empire Mortgage...known as Jonny on the Spot!

He is a direct lender that services to the Secondary Market.

We offer various loan programs such as FHA, VA, Conventional, Jumbo and USDA.

He is privileged to assist his clients pursue their dreams of home ownership. If there is any way that he can be of service, please feel feel to call or email and he will be happy to help...your personal Jonny on the Spot!!!

Trent Branden - Loan Officer

Trent Branden is a full-service mortgage loan originator that emphasizes a caliber of service and expertise to ensure a smooth transaction for his clients.

Researching and implementing the latest products and programs, Trent surpasses the service quality of status-quo banks and lenders by taking an all-encompassing look at a borrower's financial scenario to build a mortgage loan and program specfically tailored for his clients short and long-term goals.

His #1 goal is an expedient and stress-free transaction for his clients. Rest assured your loan will close on time.

Whether you're looking to purchase your first home or refinance your investment property, Trent is the mortgage professional that offers the prompt service and sound advice that you should expect when it comes to mortgage finance!